Is ProtonMail overkill for me? Should I go with iCloud email?

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2

It’s up to you, I use iCloud mail and I like how well it integrates with everything. Just be aware that Apple doesn’t store your emails with zero knowledge encryption on their servers, so they could potentially decrypt your mail. The Mail app actually does have some nice privacy features. Overall it’s a good option if you’re already invested in the Apple ecosystem I think.